Agar aapka ya kisi aur ka cheque bounce ho jaye, toh yeh sirf financial problem nahi, ek kanooni samasya bhi ban sakti hai. India mein cheque bounce ek criminal offence hai agar usmein kuch specific conditions complete hoti hain. Is article mein hum bata rahe hain:
- Cheque bounce hone par kya hota hai
- Kya yeh criminal offence hai
- Legal notice aur court ka process
- Aur aapko kya karna chahiye agar aap drawer ya payee hain
📌 Cheque Bounce Hone Par Kya Hota Hai?
Jab aap kisi ko cheque dete hain aur woh bank se “dishonoured” ya “bounce” ho jata hai, toh bank ek Cheque Return Memo issue karta hai. Ismein bounce hone ka reason likha hota hai, jaise:
- ❌ Insufficient funds (paise nahi the account mein)
- ✍️ Signature mismatch
- 🚫 Account closed
- 🔒 Payment stopped by drawer
- 🧾 Overwriting ya incorrect details
Iske baad agar payee chahe toh legal notice bhej kar criminal case file kar sakta hai.
⚖️ Kya Cheque Bounce Ek Criminal Offence Hai?
✅ Haan, cheque bounce India mein ek criminal offence hai
- Yeh offence Section 138 of the Negotiable Instruments Act, 1881 ke under aata hai
- Agar notice milne ke baad bhi payment nahi hoti, toh payee criminal complaint file kar sakta hai
- Agar court mein doshi paaye gaye, toh 2 saal tak ki jail ya double amount ka fine ya dono ho sakta hai
🧾 Cheque Bounce Par Legal Action Ka Step-by-Step Process
1. Cheque Bounce Hona
Bank cheque dishonour karta hai aur ek Cheque Return Memo deta hai.
2. Legal Notice Bhejna (Within 30 Days)
Payee drawer ko 30 din ke andar legal notice bhejta hai, jismein paisa wapas maanga jaata hai.
3. 15 Din Ka Time Drawer Ko
Drawer ko 15 din ka samay diya jaata hai paisa dene ke liye.
4. Case File Karna (If Payment Not Made)
Agar 15 din mein paisa nahi diya gaya, toh payee magistrate court mein criminal complaint file kar sakta hai.
❗ Cheque Bounce Hone Par Saza Ya Penalty Kya Ho Sakti Hai?
Agar aap guilty paye gaye toh:
- ⛓️ Maximum 2 saal tak ki jail
- 💰 Cheque amount ka double fine
- Ya jail aur fine dono
Court aapko summon bhej kar bulayegi, aur agar aap appear nahi hote, toh warrant bhi issue ho sakta hai.
🙋♂️ Drawer (Jisne Cheque Diya) Ke Liye Kya Karna Chahiye?
- Notice milte hi turant payment kar de agar possible ho
- Agar notice galat hai, toh legal reply bhej kar apni position clarify karein
- Cheque Bounce Lawyer hire karein jo aapko court mein represent kar sake
🙋♀️ Payee (Jisne Cheque Liya) Ke Liye Kya Karna Chahiye?
- Cheque bounce hone ke baad return memo sambhalein
- 30 din ke andar legal notice bhejein drawer ko
- Agar payment nahi hoti, toh legal complaint file karein court mein
- Ek experienced cheque bounce lawyer aapka case strong bana sakta hai
✅ Cheque Bounce Lawyer Kyon Zaroori Hai?
- Notice drafting aur reply professionally hota hai
- Court appearance mein legal protection milti hai
- Case dismiss karwane ya settlement mein help milti hai
- Technical defence apply kiya ja sakta hai agar case false hai
📞 Conclusion & Call to Action
Cheque bounce hone par badi legal problem ho sakti hai, lekin agar aap sahi time par action lein toh isse bacha bhi ja sakta hai.
📩 Aap drawer hain ya payee – dono ke liye expert legal advice lena zaroori hai.
📲 Abhi contact karein Online Legal Center ko – aur ek Cheque Bounce Lawyer hire karein jo aapko court aur kanoon dono se bachaye.
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